• Proceedings of the IEEK Conference
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• 2005.11a
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• pp.813-816
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• 2005

In last several years, the need for the right of privacy and mobile banking has increased. The RSA system is one of the most widely used public key cryptography systems, and its core arithmetic operation IS modular multiplication. P. L. Montgomery proposed a very efficient modular multiplication technique that is well suited to hardware implementation. In this paper, the montgomery modular multiplication algorithms(CIOS, SOS, FIOS) , developed by Cetin Kaya Koc, is presented and implemented using radix-16 and Altera FPGA. Also, we undertake comparisons of power dissipation using Quatrus II PowerPlay Power Analyzer.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.14 no.2
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• pp.724-737
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• 2020

Corrected Block TEA(or XXTEA) is a block cipher designed to correct security weakness in the original block TEA in 1998. In this paper, XXTEA cipher hardware which can encrypt or decrypt between 64-bit and 256-bit messages using 128-bit master key is implemented. Minimum message block size is 64-bit wide and maximal message block size is 256-bit wide. The designed XXTEA can encrypt and decrypt variable-length message blocks which are some arbitrary multiple of 32 bits in message block sizes. XXTEA core of this paper is described using Verilog-HDL and downloaded on Vertex4. The operation frequency is 177MHz. The maximum throughput for 64-bit message blocks is 174Mbps and that of 256-bit message blocks is 467Mbps. The cryptographic IP of this paper is applicable as security module of the mobile areas such as smart card, internet banking, e-commerce and IoT.

• 한국경영정보학회:학술대회논문집
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• 2008.06a
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• pp.35-51
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• 2008

This study is to investigate factors that affect preference to CMDS(convergence mobile data service) on institutionalization of MDS. A research model was proposed and subsequent hypotheses were empirically tested with partial least square (PLS) based on 400 responses from the users of CMDS(DMB: 200 / m-Banking: 200). It was learned that institutionalization of technology related building MDS was positively associated with assimilation of MDS(represent a institutionalization of MDS) rather than service quality and use gratification. It means that users decided use of MDS refereed from its level of assimilation to MDS channel. Also, attractiveness of alternatives to CMDS is negatively associated with continuous use of CMDS and preference to CMDS. Lastly, their association strength was partially moderated by the type of motivation for using CMDS.

• Proceedings of the Korean Operations and Management Science Society Conference
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• 2005.05a
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• pp.10-17
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• 2005

최근 들어 모바일뱅킹 서비스는 사용자들이 급속히 증가하고, 금융기관과 이동통신 업체의 적극적인 투자가 빠르게 확대되고 있어서 시장의 발전 가능성이 높이 기대되고 있다. 그러나 아직까지 모바일뱅킹 서비스는 고객의 서비스 만족도나 서비스 제공자의 수익 면에서 만족할 만한 수준을 나타내고 있지는 못하다. 따라서 본 연구는 사용자들이 모바일뱅킹을 사용하는데 결정적인 영향을 미치는 요인을 제시하여 전략적 경쟁 도구로서의 모바일뱅킹 확산을 지원하고자 한다. 이를 위해 문헌고찰을 통해 모바일뱅킹 서비스의 특징 및 현황을 파악하고 유용성, 사용성, 서비스품질, 사회적 영향, 즉시 접속성 등의 요인을 도출하여 모바일뱅킹 기술수용모형을 제시하고 검증하였다 분석결과 모바일뱅킹 사용에 영향을 미치는 요인은 모바일뱅킹의 유용성, 서비스 품질 그리고 즉시 접속성이 유의한 것으로 나타났으며, 반면 사용성과 사회적 영향은 유의하지 않은 것으로 나타났다. 이러한 연구 결과는 많은 시사점을 제공하며, 앞으로 좀 더 추가적인 연구와 토의가 이루어져야 할 것이다.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.5 no.6
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• pp.1192-1213
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• 2011

Information security management systems (ISMSs) are used to manage information about their customers and themselves by governments or business organizations following advances in e-commerce, open networks, mobile networks, and Internet banking. This paper explains the existing ISMSs and presents a comparative analysis. The discussion deals with different types of ISMSs. We addressed issues within the existing ISMSs via analysis. Based on these analyses, then we proposes the development of an information security management evaluation system (ISMES). The method can be applied by a self-evaluation of the organization and an evaluation of the organization by the evaluation committee. The contribution of this study enables an organization to refer to and improve its information security levels. The case study can also provide a business organization with an easy method to build ISMS and the reduce cost of information security evaluation.

• 한국IT서비스학회:학술대회논문집
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• 2008.11a
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• pp.563-566
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• 2008

이동통신 산업의 급격한 발달로 모바일 관련 서비스가 급성장하고 있다. 특히 모바일 인터넷과 연계된 서비스 중 모바일뱅킹이 인터넷 뱅킹에 이어 비대면 금융거래의 채널로 활성화되고 있다. 본 논문에서는 모바일뱅킹 서비스의 정의, 등장배경 및 현황에 대해 먼저 살펴보고 최근 3세대 이동통신서비스인 WCDMA의 확산에 따라 부각되고 있는 USIM 기반의 모바일뱅킹 서비스에 대해서도 살펴본다. 마지막으로 향후 모바일뱅킹 서비스의 전망에 대해서도 살펴본다. 현재 모바일뱅킹 관련 서비스가 활성화되지 않는 이유는 기술적인 문제 보다는 법제도적인 문제와 사업자간의 이해관계 문제 때문이다. 최근 일부 사업자간 합의에 따른 표준화 및 업무제휴 등의 사례가 등장하고 있으며 WCDMA 가입자가 급격히 증가하고 있어 차차 보급이 활성화 될 것으로 전망된다.

• International Journal of Computer Science & Network Security
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• v.22 no.2
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• pp.39-46
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• 2022

The article is devoted to clarifying current trends in the digitalization of financial services. To this end, the evolution of this process in the financial sector was studied and six stages of its development were identified. The components of successful implementation of digitalization in the field of financial services and its tasks are outlined. It was found that fintech companies, which work to achieve effective interaction between the financial sector and innovative technologies in the use of mobile applications in order to most fully and quickly meet the needs of customers with financial services, are of great importance for the formation and development of digitalization in financial services. Current trends in the digitalization of financial services in Ukraine based on the use of fintech in general and banking institutions in particular are presented.

• Proceedings of the Korea Information Processing Society Conference
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• 2009.11a
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• pp.635-636
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• 2009

공개키 암호 시스템을 이용하는 공인인증서는 IT 기술의 발달과 함께 e-Banking, e-Commerce, e-Finance 등 다양한 분야에서 사용자 인증을 제공하는 수단으로 사용되고 있다. 그러나 최근에 다양한 해킹툴과 사용자 PC의 취약점을 이용하여 PC에 저장된 공인인증서가 유출되는 사고가 발생하면서 전자금융에 대한 안전성을 위협받고 있다. 따라서 본 논문에서는 기존에 공인인증서를 하드디스크에 저장하여 발생하였던 문제점을 해결하고자 모바일 디바이스를 이용하여 전자서명을 수행하는 MobiSign의 공인인증서 이동방식 및 전자서명 방식을 분석한다. 또한 모바일 환경에서 악성코드에 의해서 발생할 수 있는 MobiSign 서비스의 보안 위협을 분석한다.

• Journal of KIISE:Computing Practices and Letters
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• v.12 no.6
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• pp.367-378
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• 2006

A mobile phone has became as a payment tool in e-commerce and on-line banking areas. This trend of a payment system using various types of mobile devices is rapidly growing, especially in the Internet transaction and small-money payment. Hence, there will be a need to define its standard for secure and safe payment technology. In this thesis, we consider the service types of the current mobile payments and the authentication method, investigate the disadvantages, problems and their solutions for smart and secure payment. Also, we propose a novel authentication method which is easily adopted without modification and addition of the existed mobile hardware platform. Also, we present a simple implementation as a demonstration version. Based on virtual machine (VM) approach, the proposed model is to use a pseudo-random number which is confirmed by the VM in a user's mobile phone and then is sent to the authentication site. This is more secure and safe rather than use of a random number received by the previous SMS. For this payment operation, a user should register the serial number at the first step after downloading the VM software, by which can prevent the illegal payment use by a mobile copy-phone. Compared with the previous SMS approach, the proposed method can reduce the amount of packet size to 30% as well as the time. Therefore, the VM-based method is superior to the previous approaches in the viewpoint of security, packet size and transaction time.

• Convergence Security Journal
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• v.2 no.2
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• pp.29-38
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• 2002

Everyday demand of wireless internet is increasing. Security problem is certainly resolved for wireless internet activation. Especially problem is only wiretap in mobile communication with voice, but problems, user authentication, data integrity guarantee etc., are resolved in data-services that have commercial transaction over simple data information service such bill, banking. Necessity of wireless PKI that can offer security service likely in wired environment is requested for offering security service in wireless environment. For offering security services, confidentiality, integrity, non-repudiation etc, that of offered in wired environment in wireless environment, first it must construct wireless PKI infrastructure and do service activity. This paper analyze various wireless internet technology for offering safe wireless internet service and wireless PH standards. Performance Result of this paper expect activity of safe wireless PH service and activity of electronic commercial transaction used wireless internet such banking service, bill transaction, online shopping.